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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $112,818 | $70,684+59.6% | $169,397-33.4% | $75,177+50.1% |
| Participation rate | 40.0% | 64.8%-24.8pp | 77.2%-37.2pp | 67.2%-27.2pp |
| Annual return | 20.64% | 36.38%-15.7pp | 406.23%-385.6pp | 160.75%-140.1pp |
| Employer contribution / active EE | $979 | $2,211-55.7% | $4,013-75.6% | $2,671-63.3% |
| Participant deferral / active EE | $1,829 | $4,310-57.6% | $6,223-70.6% | $4,126-55.7% |
| Admin fee / account holder | $9,830 | $5,404+81.9% | $9,017+9.0% | $5,651+73.9% |